Go to the "Fancy Collage" area and pick from the drop down menu on the left hand side the collage format you want to use (I used the free "Brag Book" option), then upload your pictures and drag and drop them into the picture area on the collage.To add the personalized greeting, click on the "Create" tab, click on the "Text" option, then go to the drop down menu on the left hand side of the screen and select the font that you want to use and then type your message. You can then drag the message anywhere on the screen that you want to.

To chose the color of the wording, drag the mouse onto the color you want to use and it gives you a preview of what it will be as you do it. There are also other things you can add, like stickers and frames, but I didn't use it for this card.

When the card looks the way that you want it to, go to the "Save and Share" tab then name your project and save it to your computer and it is ready to print, post or send via an attachment to your intended recipient.